Have been with USAA for 40+ years. Cars, home, etc with them. Just received a quote for our new AS and they are competitive with the lowest quote of three inquiries. With the annual rebate, how can one lose?

We have had USAA for at least 30 years and I've found their claim service to be fair and reasonable especially since I can take the vehicle to the dealer and not required to take it to Bubba's Body shop. I've never had a household claim with them. All vehicles including the A/S are insured with them. They have the best telephone claim service and customer service of any company I have ever dealt with. My $.02

I have been with USAA since 1954. I bought my first car while I was a naval flight cadet at Pensacola FL. I have never had a problem with them on any of my claims. If your military I recommend them.
Regards nm1oqrz

__________________BenjisgalWBCCI #1122Top of Georgia Unit #52I dont want to get to the end of my life and find that I lived just the length of it; I want to have lived the width of it as well.---Diane Ackerman (Author, poet, essayist, naturalist)

I've been a member of USAA since 1974. I'll make one comment here about USAA and Airstream trailers that members should be aware of.

Almost a year ago a large tree limb fell on the rear of my 2006 Safari SE at a federal campground in CA. Initially the feds said they'd take responsibility, then they told me to drop dead. So I went to USAA to file a claim. At the time I noted that trailers like mine seemed to sell for about $33,000.

USAA said there was about $16,400 in damage to my trailer. They said it was borderline totaled. By that, they meant it was worth about $22,000. They were willing to take the title and then give me $22,000. I declined their offer and they did not try to ram it down my throat.

So the big thing about insuring Airstreams with USAA, and I think most other insurance companies, is that the totaled value they place on these trailers will shock the heck out of you. If you're running around the country with an Airstream that you know would re-sell for $X, I'm here to tell you that if you wrap it around a pole, USAA is going to give you $X-Y. Or at least their starting position will be $X-Y. In my case, magically, more than $11,000 in honest, real asset value evaporated! Maybe you can point to some trades to make them up the value but I got the feeling that it would have be very hard. I'm just happy that my trailer wasn't truly destroyed. I'd have lost that $11,000. There are companies that USAA calls and says: "Hey, we've got a totaled 2006 Airstream Safari, what's your bid?" These salvage companies naturally are low bidders so, in a way, I'm not sure how much you can blame USAA.

But the bottom line that I see is that we have to realize that we are self-insuring to a degree that we likely never knew. This is why some people buy an insurance product for trailers of which I've only recently become aware. That is a replacement cost policy. It's much more expensive than a regular policy that I'm guess most USAA Airstreams owners have. But I think you have to buy it when your trailer is new and the replacement coverage expires after 5 years.

I had a similar experience when my Safari was totaled by a truck with a not-so-good driver behind the wheel a few years ago. I got the pricing run-a-round as well, not USAA. I think they all operate on similar guidelines for "basic" insurance.

Market Value — A base policy that pays the actual cash value of your RV at the time of loss.

Agreed Value — Pays the value of your RV that you select at the start of your policy, regardless of the current market value.

Total Loss Replacement Cost — Pays for replacement of your RV with the newest model if your RV is declared a total loss within its first five model years."

I'd say the stories above reflect a misunderstanding of the kind of coverage held. But the stories of under-insurance inspired me to review of my coverage before the camping season begins.

Agreed. However, I just got a quote from Progressive and they did not allow an "agreed value" policy to be quoted. Many here on the forums have written about that. I will be buying a total loss policy.

I am shopping all insurance (home,cars, AS). I currently have the AS with Progressive but Safeco offers a "stated replacement value" policy that is worth looking into. It's $50 less per year than what I'm paying with progressive. Anyone have any experience with Safeco?

I'm not happy with Progressive as prices keep going up even with no claims. USAA referred me back to Progressive after I switched over on my auto policy. With many insurance companies now actively using Airstreams in their advertising, has anyone found a decent replacement or stated value policy (which also covers fulltimers) that is reasonable? Has anyone received a quote from GMAC (through Camping World/Good SAM) that isn't shockingly high? Thanks for any suggestions. Philip

I have had USAA for 45 years. With the exception of some life insurance, they have covered all my homes, personal property, and automobiles. When I bought my Airstream I insured it with them. Six months after I took delivery I had someone scratch about 20 feet of my NEW trailer on the curbside. USAA covered all the deductible, no hassles, and the usual great service. You may find insurance for less money elsewhere, but you will never find a company that provides the level of personal attention and speed to your claim. They are -- in in overused word -- awesome!